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Norwood Financial NWFL Stock-Based Comp

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Other financials

Income statement

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Revenue$27.3M+34.9%
Net income$3.7M-35.4%
EPS (diluted)$0.35-44.4%

Balance sheet

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Cash & equivalents$102.6M+36.0%
Total debt$18.1M-91.7%
Total equity$283.9M+28.6%
Total assets$2.9B+22.8%

Cash flow

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Operating cash flow$6.0M-34.1%
CapEx$455.0K-51.2%
Free cash flow$5.5M-32.1%

Valuation

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Market cap$371.74M+67.1%
P/E14.5×-55.7×
P/S3.9×+0.2×

Profitability

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Net margin27.1%+24.9pp
FCF margin28%-15.4pp

Returns & leverage

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Return on equity10.2%+9.6pp
Debt / equity0.1×-1.0×

Where this comes from

Reported directly by Norwood Financial in its filing.

Tagged under the XBRL concept us-gaap:StockOptionPlanExpense.

The source filing: Norwood Financial’s 10-Q, filed May 8, 2026.

Filed
May 8, 2026, 8:55 AM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001013272-26-000005
(dollars in thousands)Three Months Ended March 31, 2026Three Months Ended March 31, 2025
Net gain on sale of loans(76)(47)
Mortgage loans originated for sale(2,707)(2,085)
Proceeds from sale of loans originated for sale2,7832,132
Compensation expense related to stock options7462
Compensation expense related to restricted stock136117
Increase in accrued interest receivable(85)(121)
(Decrease) increase in accrued interest payable(3,418)1,249
Other, net4,8042,443

Item 1. Financial Statements Item 1. Financial Statements (unaudited)

FAQ

What is Norwood Financial's stock-based comp?
Norwood Financial (NWFL) reported stock-based comp of $74K in Q1 2026.
How has Norwood Financial's stock-based comp changed year-over-year?
Norwood Financial's stock-based comp increased by 19.4% year-over-year, from $62K to $74K.
What is the long-term trend for Norwood Financial's stock-based comp?
Over 4 years (2021 to 2025), Norwood Financial's stock-based comp has grown at a 3.8% compound annual growth rate (CAGR), from $214K to $248K.
What does stock-based comp mean?
Total non-cash stock-based compensation expense for equity awards (RSUs, options, ESPP), added back to net income in cash flow reconciliation.

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